Buying real estate in different weather.

Member since 2025 · 4 posts · 10 votes

Hello everyone I had a quick question and wanted to get some peoples opinions. I was wondering does anyone invest in areas were weather is bad like tornado weather? I was wondering since looking to invest in Texas but I saw some homes are cheaper than others in like where tornado ally area is at. Asking to since I can purchase property in those areas with cash and it will be paid off.
I appreciate everyone’s responses thank you.

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Caleb Brown

Real Estate Agent · Kansas City · Member since 2018 · 4k+ posts · 3k+ votes

11mo

I am in Kansas City which is technically tornado ally. Sure a tornado can hit but it's a rare and slim to none chance. I will say in those areas with tornados you will see storms. That means hail, wind, etc. That would cause more issues that would actually effect you. Have insurance and you'll be OK. Also make sure trees are trimmed away from the house.

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Caleb Brown
Real Estate Agent · Kansas City · Member since 2018 · 4k+ posts · 3k+ votes
11mo
I am in Kansas City which is technically tornado ally. Sure a tornado can hit but it's a rare and slim to none chance. I will say in those areas with tornados you will see storms. That means hail, wind, etc. That would cause more issues that would actually effect you. Have insurance and you'll be OK. Also make sure trees are trimmed away from the house.
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- Alberto Gutierrez
  OP
  Member since 2025 · 4 posts · 10 votes
  11mo
  Quote from @Caleb Brown:
  
  I am in Kansas City which is technically tornado ally. Sure a tornado can hit but it's a rare and slim to none chance. I will say in those areas with tornados you will see storms. That means haul, wind, etc. That would cause more issues that would actually effect you. Have insurance and you'll be OK. Also make sure trees are trimmed away from the house.
  
  Thank you very much for your insight Caleb Brown I really do appreciate the feedback.
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Alberto Gutierrez
OP
Member since 2025 · 4 posts · 10 votes
11mo
Also another question if they are in tornado ally would the property even appreciate with equity or no?
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Michael Ewers
Rental Property Investor · Grapevine, TX · Member since 2020 · 137 posts · 52 votes
11mo
Quote from @Alberto Gutierrez:

Hello everyone I had a quick question and wanted to get some peoples opinions. I was wondering does anyone invest in areas were weather is bad like tornado weather? I was wondering since looking to invest in Texas but I saw some homes are cheaper than others in like where tornado ally area is at. Asking to since I can purchase property in those areas with cash and it will be paid off.
I appreciate everyone’s responses thank you.
I've been buying in North Texas, OKC, Tulsa, and Little Rock for rentals. I've had no issues with tornadoes. I wouldn't think too much about Mother Nature. She can pop up anywhere at anytime
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Denise SuppleeBusiness Member
Realtor · Willow Grove, PA · Member since 2017 · 1k+ posts · 661 votes
11mo
Hi @Alberto Gutierrez, Many investors buy in areas with higher weather risk, including parts of Texas. The key is understanding insurance costs and local building standards. As long as you budget for proper coverage and choose well-built properties, those markets can offer strong returns and lower entry prices. Just make sure the insurance fully covers wind and hail — that’s where most surprises happen.
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Hadar OrkibiPro Member
Rental Property Investor · USA / NZ · Member since 2016 · 1k+ posts · 812 votes
11mo
@Alberto Gutierrez

Florida is the worst place for it; insurance costs have exploded, and often they kill the deal.

@Michael Ewers Little Rock had a destructive tornado in March 2023 that destroyed a large area. We have them all the time, and there is a Tornado ally there.

Some insurance companies for multifamily properties pulled out of the market, while others offer significant wind and hail deductibles. Bottom line: you need to shop for insurance BEFORE you close, within your Due diligence timeframe, to make sure you get good coverage.

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Curtis YoderPro Member
Rental Property Investor · Tulsa, OK · Member since 2014 · 241 posts · 187 votes
11mo
As a long-term buy-and-hold investor in the Tulsa, OK market, I can tell you that “tornado country” sounds scarier on paper than it plays out in day-to-day operations.

In our market, we see far more damage from heavy rain, drainage issues, and the occasional extended ice storm than from tornadoes. Most tornado paths are extremely narrow and short lived, so the odds of a direct hit on any specific rental are very low.

That said, weather should always be part of your due diligence. Instead of worrying about the label “tornado alley,” focus on the actual property features:
- How is the roof condition and age?
- Proper grading/drainage around the foundation?
- Quality of siding/windows?
- Any tree-overhang risks?
- Do gutters/downspouts move water away effectively?
- Ice-load risks on older roofs?
These items cause far more routine damage than tornadoes and insurance rarely covers the small, preventable issues as the cost is typically below your deductible.

In short, I try to buy smart, buy cash-flowing, and make sure the property is built and maintained to handle the typical weather events in that region. That’s the best protection you can give yourself.
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